/* My Money Steps design-system mockup stylesheet
   Replicates National Debtline's My Money Steps (mymoneysteps.nationaldebtline.org)
   for the Inbest Benefits Calculator implementation-guide designs. Laptop view (1440px).
   Colours sampled from the live tool's screens. Fonts: National Debtline uses
   Amsi Pro Narrow (headings) + Filson Pro (body), both commercial — substituted with
   the closest free web fonts, Barlow Semi Condensed + Hanken Grotesk. */

@import url('https://fonts.googleapis.com/css2?family=Barlow+Semi+Condensed:wght@600;700;800&family=Hanken+Grotesk:wght@400;500;600;700;800&display=swap');

:root {
  --gold: #fcdc90;           /* top strip */
  --green: #005229;          /* primary: buttons, CTAs, footer, headings, tab text/border */
  --green-brand: #008040;    /* National Debtline brand green (the logo) */
  --green-tint: #ebf2eb;     /* light card fill */
  --green-tab: #b6efd0;      /* active tab mint fill */
  --green-tab-off: #eef4f0;  /* inactive tab fill */
  --lilac: #eee5ff;          /* header band */
  --purple: #6843b1;         /* budget summary card */
  --purple-btn: #dccafe;     /* button on purple */
  --ink: #22252a;
  --muted: #5b5f63;
  --line: #dfe4e0;
  --page: #ffffff;
  --head: 'Barlow Semi Condensed', 'Arial Narrow', system-ui, sans-serif;
  --body: 'Hanken Grotesk', system-ui, -apple-system, 'Segoe UI', sans-serif;
}

* { box-sizing: border-box; }
html, body { margin: 0; padding: 0; }
body {
  font-family: var(--body);
  color: var(--ink);
  background: #f3f4f6;
  font-size: 16px;
  line-height: 1.5;
  min-width: 1100px;
}
h1, h2, h3, .head { font-family: var(--head); }

/* ---- gold top strip ---- */
.gold-strip { height: 5px; background: var(--gold); }

/* ---- header ---- */
.site-header {
  background: #fff;
  display: flex; align-items: center; gap: 28px;
  padding: 16px 40px;
  border-bottom: 1px solid #eee;
}
.logo-img { height: 58px; width: auto; display: block; }
.header-back { color: var(--green); font-weight: 700; text-decoration: none; font-size: 17px; }
.header-back::before { content: "‹ "; font-weight: 800; }
.header-right { margin-left: auto; display: flex; gap: 30px; }
.header-right a { color: var(--green); font-weight: 700; text-decoration: none; font-size: 17px; }

/* ---- lilac page-title band ---- */
.title-band { background: var(--lilac); padding: 40px 40px; }
.title-band h1 { margin: 0; color: var(--green); font-size: 60px; font-weight: 800; letter-spacing: -.5px; line-height: 1; }

/* ---- content shell ---- */
.shell { background: #fff; }
.wrap { max-width: 1440px; margin: 0 auto; padding: 28px 40px 60px; }
.breadcrumb { color: var(--green); font-weight: 600; font-size: 15px; padding-bottom: 18px; border-bottom: 1px solid var(--line); }
.breadcrumb a { color: var(--green); text-decoration: none; }
.breadcrumb .sep { margin: 0 8px; color: var(--green); }
.back-link { display: inline-flex; align-items: center; gap: 6px; color: var(--green); font-weight: 700; font-size: 17px; text-decoration: none; margin: 20px 0 0; }
.back-link .arw { font-weight: 800; font-size: 20px; }

h2.section-title { color: var(--green); font-size: 46px; font-weight: 800; margin: 26px 0 20px; letter-spacing: -.3px; }
h3 { color: var(--green); font-weight: 700; }

/* ---- advice intro + budget summary two-column ---- */
.advice-top { display: grid; grid-template-columns: 1fr 420px; gap: 40px; align-items: start; }
.advice-intro p { font-size: 18px; margin: 0 0 16px; }
.advice-intro ul { padding-left: 22px; margin: 0; }
.advice-intro li { font-size: 18px; margin-bottom: 14px; }
.advice-intro li b { color: var(--ink); }

/* ---- budget summary purple card ---- */
.budget-card { background: var(--purple); color: #fff; border-radius: 16px; padding: 26px 28px 28px; }
.budget-card h3 { color: #fff; margin: 0 0 16px; font-size: 30px; font-weight: 800; }
.budget-row { display: flex; justify-content: space-between; align-items: baseline; gap: 14px; margin-bottom: 12px; font-size: 16px; }
.budget-row .lbl { font-weight: 700; white-space: nowrap; }
.budget-row .val { text-align: right; }
.budget-row.additional { padding-top: 12px; margin-top: 4px; border-top: 1px solid rgba(255,255,255,.28); }
.budget-row.additional .val { font-weight: 800; }
.budget-row.deficit .val { color: #ffd7d7; }
.pill-note { display:inline-block; background: rgba(255,255,255,.16); border-radius: 20px; font-size: 12.5px; padding: 3px 12px; margin: 2px 0 12px; }
.budget-card .fnote { font-size: 12px; color: rgba(255,255,255,.7); font-weight: 400; margin: 16px 0 0; }
.dl-stack { display: flex; flex-direction: column; align-items: flex-start; gap: 10px; margin-top: 8px; }
.dl-stack .btn-download { margin-top: 0; }
.btn-download {
  display: inline-flex; align-items: center; gap: 8px;
  background: var(--purple-btn); color: #3a1d5e; font-weight: 700;
  border: none; border-radius: 26px; padding: 12px 20px; font-size: 15.5px;
  margin-top: 8px; cursor: pointer; font-family: var(--body);
}
.btn-download.secondary { background: #fff; }
.btn-download .chev { font-weight: 800; }

/* ---- tab buttons ---- */
.tabs { display: grid; grid-template-columns: repeat(3, 1fr); gap: 26px; margin: 40px 0 22px; }
.tab {
  border: 2px solid var(--green); border-radius: 8px; background: var(--green-tab-off);
  color: var(--green); font-weight: 700; font-size: 17px; padding: 16px 18px;
  display: flex; justify-content: space-between; align-items: center; cursor: pointer; font-family: var(--body);
}
.tab.active { background: var(--green-tab); }
.tab .chev { font-weight: 800; }

/* ---- accordion row ---- */
.accordion {
  border: 2px solid var(--green); border-radius: 10px; padding: 18px 22px; margin-top: 8px;
  display: flex; justify-content: space-between; align-items: center; font-size: 21px; color: var(--green); font-weight: 700; font-family: var(--head);
}
.accordion.open { border-radius: 10px 10px 0 0; }
.accordion-body { border: 2px solid var(--green); border-top: none; border-radius: 0 0 10px 10px; padding: 26px 24px; }

/* ---- generic green CTA button ---- */
.btn-green {
  display: inline-flex; align-items: center; justify-content: center; gap: 10px;
  background: var(--green); color: #fff; font-weight: 700; font-size: 16px;
  border: none; border-radius: 26px; padding: 14px 26px; cursor: pointer; font-family: var(--body); text-decoration: none;
}
.btn-green.block { width: 100%; }
.btn-green .chev { font-weight: 800; }
.btn-outline {
  display: inline-flex; align-items: center; gap: 8px;
  background: #fff; color: var(--green); font-weight: 700; font-size: 15px;
  border: 2px solid var(--green); border-radius: 26px; padding: 11px 20px; cursor: pointer; font-family: var(--body); text-decoration: none;
}

/* ---- estimation hero tile (design 1) — Option A: the amount is the headline ---- */
.estimate-hero { background: #fff; border: 2px solid var(--green); border-radius: 10px; padding: 44px 48px; }
.a-kicker { color: var(--muted); font-weight: 600; font-size: 18px; margin: 0 0 2px; }
.a-amt { font-family: var(--head); color: var(--green); font-weight: 800; font-size: 104px; line-height: 1; letter-spacing: -2px; margin: 2px 0 14px; }
.a-amt .a-per { font-size: 34px; font-weight: 700; letter-spacing: 0; color: var(--green); }
.a-body { font-size: 18px; color: var(--ink); max-width: 620px; margin: 0 0 24px; }
.eh-cta { font-size: 18px; padding: 15px 30px; box-shadow: 0px 3px 0px rgba(0, 11, 59, 0.20); }
.eh-time { display: flex; align-items: center; gap: 10px; margin-top: 22px; color: var(--green); font-weight: 700; font-size: 18px; }
.eh-time .clock { font-size: 22px; }

/* ---- benefits overview (design 3) — two figures side by side ---- */
.overview-heading { font-size: 22px; margin: 0 0 14px; }
.benefits-overview { background: #fff; border: 2px solid var(--green); border-radius: 10px; padding: 36px 44px; display: flex; }
.bo-fig { flex: 1; padding: 0 40px; }
.bo-fig:first-child { padding-left: 0; border-right: 2px solid rgba(0,82,41,.14); }
.bo-label { display: flex; align-items: center; gap: 10px; color: var(--muted); font-weight: 600; font-size: 17px; margin-bottom: 4px; }
.bo-amt { font-family: var(--head); color: var(--green); font-weight: 800; letter-spacing: -1.5px; line-height: 1; font-size: 66px; }
.bo-amt small { font-size: 24px; font-weight: 700; letter-spacing: 0; }

/* ---- video block (pages 1 & 3) ---- */
.video-block { display: flex; gap: 30px; align-items: center; background: #fff; border: 1px solid var(--line); border-radius: 12px; padding: 22px; }
.video-thumb { position: relative; flex: 0 0 400px; aspect-ratio: 16 / 9; border-radius: 8px; overflow: hidden; background: #052e18 url('assets/video_still.jpg') center/cover no-repeat; display: flex; align-items: center; justify-content: center; cursor: pointer; }
.video-thumb::before { content: ""; position: absolute; inset: 0; background: rgba(0,0,0,.12); z-index: 0; }
.video-thumb .play { position: relative; z-index: 1; width: 68px; height: 68px; border-radius: 50%; background: rgba(255,255,255,.94); display: flex; align-items: center; justify-content: center; box-shadow: 0 2px 10px rgba(0,0,0,.25); }
.video-thumb .play::after { content: ""; margin-left: 6px; border-style: solid; border-width: 15px 0 15px 24px; border-color: transparent transparent transparent var(--green); }
.video-thumb .video-dur { position: absolute; z-index: 1; bottom: 10px; right: 10px; background: rgba(0,0,0,.72); color: #fff; font-size: 12px; font-weight: 600; padding: 2px 9px; border-radius: 4px; }
.video-copy h3 { font-size: 24px; margin: 0 0 8px; }
.video-copy p { font-size: 16px; color: var(--ink); margin: 0; max-width: 470px; }

/* ---- calculator questionnaire wizard (My Money Steps fact-find style) ---- */
.wiz-wrap { max-width: none; margin: 0; }
.wizard { display: grid; grid-template-columns: 320px 1fr; gap: 60px; align-items: start; margin-top: 8px; }
.wiz-rail { border-top: 1px solid #E0E9E0; }
.wiz-step { display: flex; gap: 12px; align-items: center; padding: 15px 16px; border-bottom: 1px solid #E0E9E0; text-decoration: none; }
.wiz-step .tick { flex: 0 0 20px; color: #005229; font-weight: 700; font-size: 22px; line-height: 1; }
.wiz-step .tick.empty { visibility: hidden; }
.wiz-step .s-name { font-weight: 700; color: #005229; font-size: 16px; line-height: 1.25; }
.wiz-step .s-time { color: #005229; font-size: 13.5px; margin-top: 2px; font-weight: 400; }
.wiz-step.active { background: #EDF4ED; border-top: 2px solid #005229; border-left: 5px solid #005229; padding-left: 11px; }
.wiz-content { padding-top: 2px; max-width: 660px; }
.wiz-q { font-family: var(--body); font-weight: 800; font-size: 24px; color: #293D29; margin: 0 0 20px; }
.wiz-placeholder { border: 2px dashed #cdd5cd; border-radius: 8px; padding: 50px 30px; text-align: center; color: #607160; background: #F5FAF5; font-size: 15px; }
.wiz-placeholder b { color: #005229; }
.wiz-nav { display: flex; gap: 14px; margin-top: 34px; }
.wiz-btn { display: inline-flex; align-items: center; justify-content: center; background: #005229; color: #fff; font-weight: 700; font-size: 18px; border: 2px solid #005229; border-radius: 8px; padding: 14px 22px; cursor: pointer; font-family: var(--body); text-decoration: none; }
.wiz-btn-back { display: inline-flex; align-items: center; gap: 8px; background: #fff; color: #005229; font-weight: 700; font-size: 18px; border: 2px solid #005229; border-radius: 8px; padding: 14px 22px; cursor: pointer; font-family: var(--body); text-decoration: none; }
.wiz-btn-back .lt { font-weight: 800; font-size: 18px; line-height: 1; }

/* ---- calculator questionnaire form (MMS-styled) ---- */
.calc-form { max-width: 760px; padding-top: 22px; }
.calc-intro { font-size: 17px; color: var(--ink); line-height: 1.5; margin: 6px 0 6px; }

/* step progress (mirrors the fact-find's progress feedback) */
.calc-progress { display: flex; align-items: center; gap: 14px; margin: 0 0 18px; }
.calc-progress .cp-label { color: #005229; font-weight: 700; font-size: 14px; white-space: nowrap; }
.calc-progress .cp-bar { flex: 1; height: 8px; background: #e3ece3; border-radius: 6px; overflow: hidden; }
.calc-progress .cp-fill { display: block; height: 100%; background: #005229; border-radius: 6px; }

.q-block { padding: 26px 0; border-bottom: 1px solid #E0E9E0; }
.q-block:first-of-type { border-top: 1px solid #E0E9E0; }
.q-label { display: block; font-weight: 700; color: #005229; font-size: 18px; line-height: 1.3; margin: 0 0 6px; }
.q-help { color: #4f5e4f; font-size: 15px; line-height: 1.5; margin: 0 0 16px; }
.q-help a { color: #005229; font-weight: 600; }

/* text / number input */
.q-input { font-family: var(--body); font-size: 17px; color: #005229; font-weight: 600; background: #fff;
  border: 2px solid #c6d2c6; border-radius: 8px; padding: 12px 14px; width: 340px; max-width: 100%; box-sizing: border-box; }
.q-input:focus { outline: none; border-color: #005229; background: #EDF4ED; }

/* currency amount + period selector */
.q-money { display: flex; flex-wrap: wrap; gap: 16px; align-items: stretch; }
.money-field { display: flex; align-items: stretch; border: 2px solid #c6d2c6; border-radius: 8px; overflow: hidden; width: 300px; max-width: 100%; }
.money-field .prefix { background: #eef2ee; color: #005229; font-weight: 700; font-size: 17px; display: flex; align-items: center; padding: 0 15px; border-right: 2px solid #c6d2c6; }
.money-field input { border: 0; outline: none; font-family: var(--body); font-size: 17px; color: #005229; font-weight: 600; padding: 12px 14px; width: 100%; background: #fff; }
.money-field:focus-within { border-color: #005229; }
.period { display: inline-flex; border: 2px solid #c6d2c6; border-radius: 8px; overflow: hidden; }
.period .seg { display: inline-flex; align-items: center; gap: 9px; padding: 12px 18px; font-size: 15px; color: #005229; font-weight: 600; cursor: pointer; border-right: 2px solid #c6d2c6; white-space: nowrap; }
.period .seg:last-child { border-right: 0; }
.period .seg.sel { background: #EDF4ED; }
.period .seg .radio { flex: 0 0 16px; width: 16px; height: 16px; border-radius: 50%; border: 2px solid #7c8d7c; display: inline-flex; align-items: center; justify-content: center; }
.period .seg.sel .radio { border-color: #005229; }
.period .seg.sel .radio::after { content: ""; width: 8px; height: 8px; border-radius: 50%; background: #005229; }
.period.disabled { border-color: #dbe2db; }
.period.disabled .seg { color: #9fb0a0; border-color: #dbe2db; cursor: default; }
.period.disabled .seg .radio { border-color: #c2ccc2; }

/* vertical option boxes: radio (Yes/No, multi-option) and checkbox (multi-select) */
.opt-list { display: flex; flex-direction: column; max-width: 440px; }
.opt-list.narrow { max-width: 300px; }
.opt { display: flex; align-items: center; gap: 12px; padding: 13px 16px; border: 1.5px solid #c6d2c6; border-top: 0;
  font-size: 16px; color: #293D29; background: #fff; cursor: pointer; }
.opt:first-child { border-top: 1.5px solid #c6d2c6; border-radius: 8px 8px 0 0; }
.opt:last-child { border-radius: 0 0 8px 8px; }
.opt.sel { background: #EDF4ED; border-color: #005229; color: #005229; font-weight: 700; position: relative; z-index: 1; }
.opt .radio { flex: 0 0 18px; width: 18px; height: 18px; border-radius: 50%; border: 2px solid #7c8d7c; display: inline-flex; align-items: center; justify-content: center; }
.opt.sel .radio { border-color: #005229; }
.opt.sel .radio::after { content: ""; width: 9px; height: 9px; border-radius: 50%; background: #005229; }
.opt .check { flex: 0 0 18px; width: 18px; height: 18px; border-radius: 4px; border: 2px solid #7c8d7c; display: inline-flex; align-items: center; justify-content: center; background: #fff; }
.opt.sel .check { background: #005229; border-color: #005229; }
.opt.sel .check::after { content: "\2713"; color: #fff; font-size: 13px; font-weight: 800; line-height: 1; }
.opt .opt-amt { margin-left: auto; color: #005229; font-weight: 700; }
.opt .opt-amt small { color: #607160; font-weight: 400; }
.opt .opt-logo { flex: 0 0 auto; width: 46px; text-align: center; }
.opt .opt-logo img { max-height: 22px; max-width: 46px; vertical-align: middle; }

/* subsection heading (Child #1, etc.) */
.q-subhead { font-family: var(--head); font-weight: 800; color: #005229; font-size: 21px; margin: 30px 0 2px; padding-bottom: 8px; border-bottom: 2px solid #cfe0cf; }

/* "How to answer" expandable */
.howto { margin: 14px 0 0; }
.howto > summary { color: #005229; font-weight: 700; font-size: 15px; cursor: pointer; list-style: none; display: inline-flex; align-items: center; gap: 8px; }
.howto > summary::-webkit-details-marker { display: none; }
.howto > summary::before { content: "\25BE"; font-size: 12px; transition: transform .15s; }
.howto[open] > summary::before { transform: rotate(180deg); }
.howto .howto-body { margin-top: 12px; font-size: 15px; color: #4f5e4f; line-height: 1.55; }
.howto .howto-body p { margin: 0 0 10px; }
.howto .howto-body ul { margin: 0 0 10px 20px; padding: 0; }
.howto .howto-body li { margin: 2px 0; }
.howto .howto-body a { color: #005229; font-weight: 600; }

/* ---- results: benefits overview ---- */
.card { background: #fff; border: 1px solid var(--line); border-radius: 12px; padding: 24px 26px; margin-bottom: 18px; }
.overview-toggle { display: inline-flex; border: 1px solid var(--line); border-radius: 8px; overflow: hidden; font-size: 13px; margin-bottom: 18px; }
.overview-toggle span { padding: 6px 16px; color: var(--muted); font-weight: 600; cursor: pointer; }
.overview-toggle span.on { background: var(--green); color: #fff; }
.overview-cols { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; }
.overview-col .oc-label { font-size: 15px; color: var(--muted); font-weight: 600; display:flex; align-items:center; gap:8px; }
.dot { width: 11px; height: 11px; border-radius: 50%; display:inline-block; }
.dot.green { background: #2e9e5b; }
.dot.gold { background: #f2b705; }
.overview-col .oc-amount { font-family: var(--head); font-size: 52px; font-weight: 800; color: var(--green); line-height: 1.05; }
.overview-col .oc-freq { color: var(--muted); font-size: 14px; }
.disclaimer { background: #f6f7f6; border-radius: 8px; padding: 14px 16px; font-size: 13.5px; color: var(--muted); margin: 20px 0; }
.result-actions { display: flex; gap: 14px; flex-wrap: wrap; }

.group-head { display: flex; justify-content: space-between; align-items: center; margin: 26px 0 12px; }
.group-head h3 { margin: 0; font-size: 22px; }
.group-head .collapse { color: var(--green); font-weight: 600; font-size: 14px; font-family: var(--body); cursor: pointer; }

.benefit { background: #fff; border: 1px solid var(--line); border-radius: 12px; padding: 20px 22px; margin-bottom: 14px; }
.benefit-head { display: flex; align-items: center; gap: 16px; }
.step-num { flex: 0 0 34px; width: 34px; height: 34px; border-radius: 50%; background: var(--green); color: #fff; font-family: var(--head); font-weight: 800; font-size: 18px; display: inline-flex; align-items: center; justify-content: center; }
.provider { height: 36px; display: flex; align-items: center; flex: 0 0 auto; }
.provider img { height: 100%; width: auto; max-width: 120px; object-fit: contain; display: block; }
.benefit-name { font-weight: 700; font-size: 18px; color: var(--ink); }
.benefit-amount { font-weight: 700; color: var(--green); font-size: 15px; }
.benefit-meta { margin: 12px 0 0; font-size: 14px; color: var(--muted); }
.benefit-meta div { margin-bottom: 6px; }
.benefit-desc { font-size: 14.5px; color: #3a3d40; margin: 12px 0 16px; }

/* ---- footer ---- */
.site-footer { background: var(--green); color: #eef3ee; padding: 26px 40px; display: flex; gap: 30px; justify-content: space-between; font-size: 13px; }
.site-footer .legal { max-width: 900px; }
.site-footer a { color: #fff; }
.site-footer .links { display: flex; gap: 18px; white-space: nowrap; }
.site-footer .links a { text-decoration: none; }

/* ---- design caption (mockup only, not part of MMS) ---- */
.mock-caption { max-width: 1180px; margin: 0 auto; padding: 14px 40px; font-size: 13px; color: #666; background: #fafafa; border-top: 1px dashed #ccc; }
.mock-caption b { color: #333; }
.mock-caption code { background:#eee; padding:1px 5px; border-radius:3px; font-size:12px; }